Business Analyst

About PayJoy   PayJoy, a Public Benefit Corporation, is a mission-first credit provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success.  Our patented technology for secured credit provides an on-ramp for new customers to enter the credit system.  Through PayJoy’s point-of-sale financing and card offerings, customers gain access to a modern quality of life.  PayJoy’s credit also allows our customers to seize opportunities as micro-entrepreneurs, and acts as insurance for tough times. Through our cutting-edge machine learning, data science, and anti-fraud AI, we have served over 18 million customers as of 2025 while achieving solid profitability for sustainable growth.   This role Responsibilities • Analyze sales performance data to present data-driven reports and recommendations that guide the decision-making and actions of the sales team, using graphics, visualizations, and other effective means to communicate findings clearly and concisely. • Conduct in-depth market research and competitive analysis to identify trends, opportunities, and threats. • Filter and analyze data in a consistent and scalable way, working with a large volume of data to build a solid foundation for decision making with calculated risks - while actively challenging the data and managing decisions despite incomplete or imperfect information. • Collect information to find improvement opportunities, including monitoring the impact of training. • Make recommendations on how to improve results based on data analysis and a deep understanding of how our product and processes work. • Measure the performance of internal sales areas (KPI's, KBI's, KKI's and KSI's). • Take into account marketing campaign performance—including traffic, leads, CAC, and engagement—to generate actionable insights, drive their cross-departmental implementation, and monitor the execution and ROI of recommended strategies. • Analyze the effectiveness of sales enablement programs, sales promotions and incentives. • Manage multiple requests and prioritize report generation. • Evaluate new operational and commercial initiatives, translating complex data into actionable insights that guide business decisions. Qualifications • Associate's degree in Industrial Engineering, Business Administration, Finance, or Data analytics. • 2+ years in Data analysis for Sales or Marketing areas. Finance and Startup experience is a plus. • High capacity for organization, communication, and relationships • Analytical thinking and Problem-solving skills to analyze data, identify inefficiencies, and propose data-driven solutions for improvement, and to work with large and complex datasets. • Ability to adapt quickly to changes in the work environment and priorities; and to adapt to learn new processes, concepts, and skills. • Intermediate knowledge of SQL, Data visualization software (Power BI, Looker, Tableau) excel and google sheets skills. Benefits • 100% Company-funded Health and Dental Insurance for employees and immediate family members • Life insurance • Vacations 30 days • Phone finance, Headphone, home office equipment and wellness perks. • $2,000 USD annual Co-working Travel perk • $2,000 USD annual Professional Development perk • Catered lunches PayJoy is proud to be an Equal Employment Opportunity employer and we welcome and encourage people of all backgrounds. We do not discriminate based upon race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics.   PayJoy Principles   Finance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening